Legal

Privacy Policy

Last Updated: March 25, 2026

This Privacy Policy describes how Black Z Financial ("we," "us," or "our") collects, uses, discloses, and protects your personal information when you visit our website at blackzfinancial.com, use our services, or communicate with us, including through SMS/text messaging.

By using our website, submitting forms, or opting into our communications, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use our services.

Business Entity Information

Legal Entity: Black Z Financial

EIN: 41-5114208

Location: Miami, FL 33130

Contact Email: [email protected]

Website: blackzfinancial.com

Information We Collect

We may collect the following types of personal information:

  • •Personal Identifiers: Full name, email address, phone number, mailing address
  • •Financial Information: Credit Karma scores, credit report data, bank statements, income information
  • •Employment Information: Employment status, employer name, income details
  • •Device & Usage Data: IP address, browser type, pages visited, referring URLs
  • •Communication Preferences: SMS/text messaging opt-in status, email preferences

How We Use Your Information

We use the information we collect to:

  • •Process your pre-qualification application and conduct structured credit reviews
  • •Communicate with you about your application status, appointments, and services via email and SMS/text messaging
  • •Send appointment reminders and service-related notifications
  • •Send marketing and promotional messages (only with your explicit consent)
  • •Refer you to partner services such as Lende Ready Inc. when appropriate
  • •Improve our website, services, and user experience
  • •Comply with legal obligations and protect our rights

SMS/Text Messaging Policy

By providing your phone number and checking the SMS consent box on our forms, you expressly consent to receive text messages from Black Z Financial at the phone number you provided.

Types of Messages

  • •Non-Marketing Messages: Application status updates, appointment reminders, service notifications, document requests, and account-related communications
  • •Marketing Messages: Special offers, educational content, promotions, and new service announcements (only if you have provided separate consent)

Message Frequency

Message frequency varies based on your engagement with our services. You may receive multiple messages per week during active service periods.

Message & Data Rates

Message and data rates may apply. Check with your mobile carrier for details about your text messaging plan.

Opt-Out Instructions

You can opt out at any time by:

  • •Replying STOP to any text message you receive from us
  • •Contacting us at [email protected]

After opting out, you will receive a confirmation message and will no longer receive text messages unless you re-subscribe.

Help

For assistance, reply HELP to any message or contact us at [email protected].

Consent Not Required

Consent to receive text messages is not a condition of purchasing any goods or services.

No Sharing of SMS Data

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Supported Carriers

Our SMS services are supported by major US carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Carriers are not liable for delayed or undelivered messages.

Information Sharing & Disclosure

We may share your information with:

  • •Service Partners: Lende Ready Inc. for credit structure optimization services
  • •Service Providers: Third-party platforms that help us deliver our services (CRM, email/SMS providers, payment processors)
  • •Legal Requirements: When required by law, court order, or governmental regulation

We do not sell your personal information to third parties.

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of transmission over the Internet is 100% secure.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, provide our services, comply with legal obligations, resolve disputes, and enforce our agreements.

Your Rights

  • •Access: Request a copy of the personal information we hold about you
  • •Correction: Request correction of inaccurate or incomplete information
  • •Deletion: Request deletion of your personal information
  • •Opt-Out: Opt out of marketing communications at any time

To exercise any of these rights, contact us at [email protected].

Cookies & Tracking

Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze traffic. You can control cookie settings through your browser preferences.

Third-Party Links

Our website may contain links to third-party websites, including Lende Ready Inc. We are not responsible for the privacy practices of external sites.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date.

Contact Us

If you have questions about this Privacy Policy, please contact us:

Black Z Financial

66 Flagler Street, Miami, FL 33130

[email protected]

blackzfinancial.com